4045 Spinnaker Dr, Duluth, GA 30096 Property Records

Gwinnett County property record for 4045 Spinnaker Dr, Duluth, GA 30096

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,225 sqft · built 1991
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (May 2018)
Tax Bill	$6,718 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-260-211`

Property Details

APN / Parcel Number

Primary APN	`6-260-211`
Alternative APN	`R6260 211`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,225 sqft Living Area
1st Floor Area	939 sqft
Basement Area	1,103 sqft
Finished Basement	1,103 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Width	74 ft Width
Terrain	Low
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	6260211
Street Address	4045 SPINNAKER DR
City	DULUTH
State	GA
Zip	30096-5264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RZT-S F R-ZERO LOT LINE/T
Legal Description	L21 BA BROMOLOW WOODS #1
Legal Subdivision	BROMOLOW WOODS
Legal Block	A
Legal Lot Number	21
Legal Unit	1
Jurisdiction	GWINNETT GA
Township / Civil Division	NORCROSS
Census Block Group	3
Census Block	3005
Census Tract	50334

Owner

4045 Spinnaker Dr is owned and occupied by two individuals who bought it in May 2018.

Source: Gwinnett County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4045 SPINNAKER DR, DULUTH, GA 30096-5264
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQUITY
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
May 21, 2018	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2018 · Amount on File
Deed Sale	May 21, 2018 · Amount on File
Prior Sale	Jan 20, 2015 · Amount on File
Deed Document Number	0055932304
Deed Book / Page	55932 / 304
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	4045 SPINNAKER DR, DULUTH, GA 30096-5264
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 SPINNAKER DR, DULUTH, GA 30096-5264

Mortgage

Document Number	0602020451
Date	Sep 15, 2022
Book Page	0000060202/0000000451

Lender

Name	SPRING EQUITY

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	4045 SPINNAKER DR, DULUTH, GA 30096-5264
Document Number	0579970522
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4045 SPINNAKER DR DULUTH GA 300965264, DULUTH, GA 30096-5264

Mortgage

Document Number	0579970522
Date	Oct 26, 2020
Book Page	057997/000522

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	4045 SPINNAKER DR, DULUTH, GA 30096-5264
Document Number	0559320329
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4045 SPINNAKER DR DULUTH GA 300965264, DULUTH, GA 30096-5264

Mortgage

Document Number	0559320329
Date	Jun 7, 2018
Book Page	055932/000329

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Spinnaker Dr was $6,718 with a homeowner's exemption.

Source: Gwinnett County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Georgia
County	Gwinnett County
Unified School District	Gwinnett County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,718.00	$208,160 Land $29,920 Building $178,240	$520,400 Land $74,800 Building $445,600
2023	$6,203.00	$164,880 Land $26,000 Building $138,880
2022			$412,200 Land $65,000 Building $347,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4045 Spinnaker Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4045 Spinnaker Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Georgia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GWINNETT CO. DEPT. OF WATER RESOURCES serves 975,000 people · EPA ID GA1350004
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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